After the sudden death of a loved one, the last thing you want to have to worry about is insurance claims, especially the headache that can come with accidental death and dismemberment (AD&D) claim denial. However, that’s often the reality that many beneficiaries have to deal with when a spouse, child, or parent passes away...
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Over the last 30 years, Alabama has seen a steady decline in civil cases going to jury trials. This trend is particularly puzzling when considering the state’s population has increased, not declined. In a world where conflict seems more common than ever, one might wonder why a jury is deciding fewer cases. There are many...
Although you cannot bring back your beloved, life insurance provides the much-needed financial assistance to give your loved one a befitting send-off, clear debts, and cover day-to-day living expenses while you cope with grief. Whether you’re in the middle of your application or the claim was dismissed, understanding the grounds for rejection prepares you to...
When you purchase an insurance policy, you expect the provider to pay your claim in the event of a covered loss. However, disability claims aren’t always straightforward, and your insurer may reject your submission. So, why would a disability claim be denied? Pre-Existing Conditions Many times, the insurance company will try and deny your claim...
Sinclair Law Firm successfully litigated an ERISA case and received summary judgment ruling in client’s favor regarding his disability pension from the UMWA. The court found that de novo review applied because of UMWA’s procedural and full and fair review violations and further concluded that the denial would have been unreasonable if that standard had...
Our client was a business owner who bought a long-term disability insurance policy from Principal Life Insurance Company. The purpose of that long term disability insurance was to provide for him, and his family should the unexpected happen. COVID came along and took away his ability to continue running his business. When he filed a...
Sinclair Law Firm along with Beasley Allen law firm filed a class action against the NFL pension and disability plans over the use of so called race norming in adjusting players’ cognitive disabilities. Persons with cognitive disabilities need all the help their ‘safety net’ of pension and welfare benefits provide. When the medical community or...
Insurance companies want to take advantage. Always. Even now. We have not stopped working since COVID hit our shores and we will not stop now. We Continue the Fight Our offices remain open and our staff continues to work on helping our clients. We have safeguards in place to make sure we can protect your...
You just received a letter from your long-term disability insurance company because they heard about the past-due disability benefits you were awarded from another source. Perhaps it was an award of past-due Social Security Disability (SSDI) benefits or it was from another disability policy you purchased. The insurance company now wants you to pay them!...
This firm’s philosophy is simple. We serve our client’s needs. Here at Sinclair Law Firm, every team member understands our clients outrank us. You are the reason we’re here. As part of that process, we stand ready at every step to guide you through your decision-making. We advise you on the law and the facts...
When we talk about individual disability insurance, we also have to talk about how the insurance companies fight the case. They’re going to fight these claims. Some of the claims are worth hundreds of thousands or millions of dollars over the course of life that they’re supposed to pay you. Honestly, the insurance companies will...
If you have a disability claim, you don’t want to walk around telling people that you’re retiring. That kind of phrase will come back to haunt you. The insurance company will dig it up and use it against you. You need to be careful with the way you interact with your physician. When you tell...